Mr. Bertie Ahern:

I certainly wasn't ashamed. I believed that the place was in good order but that we had problems and the problems were the liquidity. We had that ... while houses were coming down, that didn't upset me, but we were still going to grow by 3% and 5%, and, as I said before, in 2008, even though we lost 28,000 jobs in construction, which was because of the houses coming down ... sorry, 20,000 jobs ... we were able to take all of those up in financial services. So we were still managing to deal effectively with what was the turn down in houses. And that was my view maybe until the summer.